Introduction
For homeowners looking to unlock the potential of their property, tapping into home equity can be a smart move—whether it’s for renovating your dream kitchen, funding education, or consolidating high-interest debt. As of August 22, 2025, Indiana Members Credit Union offers the lowest HELOC rates starting at an attractive 3.90%, making it an excellent choice for borrowers seeking flexible access to funds with variable rates. Fixed-rate home equity loans tend to run higher, with Indiana Members again featuring competitive options beginning around 6.875%. While some credit unions like Gesa and Dupaco Community offer wider rate ranges reflecting diverse borrower profiles, those with strong credit may find the lower end very appealing. If you’re someone who values predictable payments, fixed-rate loans from Space Coast or Dupaco Community could provide peace of mind with rates in the mid-6% to low-7% range. Today’s data shows rate stability across most lenders over the past month, so now is a great time to explore your options and see which program aligns best with your financial goals.
Home Equity Loans
Credit Union
Product
2025-08-22
(Current Day)
(Current Day)
2025-08-15
(7 Days Ago)
(7 Days Ago)
2025-08-07
(15 Days Ago)
(15 Days Ago)
2025-07-23
(30 Days Ago)
(30 Days Ago)
2025-07-08
(45 Days Ago)
(45 Days Ago)
2025-06-23
(60 Days Ago)
(60 Days Ago)
2025-05-24
(90 Days Ago)
(90 Days Ago)
Heloc
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
Home Equity
6.750 - 13.750
6.750 - 13.750
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
Heloc
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
Heloc
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
Heloc
4.000 - 12.000
4.000 - 12.000
4.000 - 12.000
4.000 - 12.000
5.990 - 10.000▲ 199 bps
Heloc
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
Home Equity
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
INDIANA MEMBERS CREDIT UNION
As of August 22, 2025, Indiana Members' HELOC rates remain steady at 3.900% - 7.500%, unchanged over the past 30 days with a slight narrowing from 8.000% a month ago. For Home Equity Loans, rates widened to 6.875% - 8.625%, up from a narrower band last week, reflecting some rate volatility. Homeowners seeking predictable payments may find the longer-term fixed Home Equity Loan appealing despite recent increases. Meanwhile, HELOCs offer flexible borrowing options with stable starting rates, ideal for those needing ongoing access to equity without locking in long-term fixed costs.
GESA CREDIT UNION
As of August 22, 2025, Gesa's HELOC rates remain steady at 3.950% - 18.000%, unchanged over the past 30 days, offering consistent flexibility for homeowners needing revolving credit. Meanwhile, Home Equity Loan rates hold firm at 6.750% - 13.750%, showing a slight improvement from 15 and 30 days ago when rates were up to 6.880% - 13.880%. The stable HELOC option suits borrowers seeking variable access, while the fixed-rate Home Equity Loans provide predictable payments ideal for long-term planning. Monitoring these trends can help homeowners choose the best fit for their financial goals.
DUPACO COMMUNITY CREDIT UNION
As of August 22, 2025, Dupaco Community HELOC rates remain steady at 3.990% - 7.000%, unchanged over the past 30 days after a previous wide range high of 21.000%. Meanwhile, Home Equity Loan rates hold firm between 6.990% - 7.490% for all tracked periods. The stable HELOC rates offer flexible borrowing options for homeowners seeking variable access to funds, while the consistent fixed-rate Home Equity Loans provide predictability for long-term financing needs. Homeowners should weigh flexibility versus fixed payments when choosing between these accessible lending solutions.
WESCOM CENTRAL CREDIT UNION
As of August 22, 2025, Wescom Central’s HELOC rates remain steady, holding at a range of 3.990% to 12.000% over the past 30 days. This consistency offers predictability for homeowners considering flexible borrowing options. HELOCs may appeal to those needing revolving credit with variable rates, ideal for home improvements or unexpected expenses. While no rate changes occurred recently, the current competitive starting rate of 3.990% provides an accessible entry point compared to market averages. Homeowners seeking fixed-rate loans should monitor Wescom Central for updates, as no fixed-term products are listed currently.
BROADVIEW FEDERAL CREDIT UNION
As of August 22, 2025, Broadview’s HELOC rates remain steady at 3.990% - 14.900% APR, unchanged over the past 30 days except for a narrower lower range noted earlier at 7.000%. This stable rate environment benefits homeowners seeking flexible access to funds through a HELOC, ideal for ongoing home improvements or emergencies. While no new fixed-rate home equity loans are listed, the consistent HELOC pricing offers transparency and predictability. Homeowners considering borrowing should evaluate their need for flexibility versus fixed payments when choosing between product types.
AMERICU CREDIT UNION
As of August 22, 2025, Americu’s HELOC rates remain stable at a range of 3.990% to 15.000%, with the upper APR rising from 11.000% over the past 30 days. This suggests increased variability in borrowing costs for higher-risk tiers. Homeowners seeking flexible borrowing options may find the HELOC’s low starting rate of 3.990% attractive for short-term needs or ongoing projects. Monitoring these rates is essential, as the widening APR spread indicates potential cost shifts depending on credit profile and loan usage. For those prioritizing predictability, exploring fixed-rate options elsewhere might be advisable.
CALIFORNIA CREDIT UNION
As of August 22, 2025, California credit union’s HELOC rates remain steady, holding at a range of 4.000% to 12.000% over the past 30 days. This consistent rate band offers homeowners predictable borrowing costs. HELOCs provide flexible access to home equity, ideal for those needing variable funding for home improvements or other expenses. While no shifts in rates are noted this period, the stable 4.000% starting point presents an attractive entry for borrowers seeking adjustable-rate options with competitive pricing. Homeowners should consider their long-term financing needs when choosing between HELOCs and fixed-rate loans.
ALLEGACY FEDERAL CREDIT UNION
As of August 22, 2025, Allegacy’s HELOC rates range from 4.000% to 18.000% APR, showing a notable drop from 4.740% at the 7-day mark and returning to the lower end seen 15 days ago. This recent decrease highlights a more attractive borrowing cost for flexible home equity access. HELOCs remain ideal for homeowners seeking adaptable funds with competitive starting rates. Monitoring these shifts can help members time their borrowing to maximize savings while maintaining financial flexibility.
VYSTAR CREDIT UNION
As of August 22, 2025, Vystar’s Home Equity Loan rates show a notable improvement, dropping from 5.875% fifteen days ago to a range of 4.000% - 18.000% today. This shift indicates more competitive pricing for borrowers seeking fixed-rate options. While specific HELOC rates are unavailable, homeowners looking for flexible borrowing might consider Vystar’s home equity products for potential savings. The current 4.000% rate on home equity loans represents an attractive opportunity for those aiming to secure longer-term financing with predictable payments. Staying informed on these movements can help homeowners optimize their borrowing strategies.
SPACE COAST CREDIT UNION
As of August 22, 2025, Space Coast HELOC rates remain steady at 4.240% - 7.750%, unchanged over the past 30 days. Similarly, Home Equity Loan rates hold firm between 6.490% - 7.740% with no recent fluctuations. The stable HELOC rates continue to offer flexible borrowing for homeowners seeking revolving credit access. Meanwhile, fixed-rate Home Equity Loans present attractive options for those preferring predictable payments over the loan term. Homeowners on the Space Coast can rely on consistent pricing for both HELOCs and Home Equity Loans in this period.
LendMesh
Need access to funds without selling your home? A home equity loan or HELOC could be the answer. With LendMesh, you get transparent comparisons and support every step of the way. Explore now: https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
When deciding whether to tap into your home equity now or wait, consider both current rates and your personal financial timeline. If you prefer flexibility and anticipate needing funds intermittently over time, a HELOC at a low starting rate—like Indiana Members’ 3.90%—can be a valuable tool. However, if you want predictable monthly payments and protection from rising interest rates, locking in a fixed-rate home equity loan could be wiser despite slightly higher starting rates. Don’t overlook fees and terms beyond just interest rates; understanding these details can save you money down the road. Also, keep an eye on your credit score and overall debt-to-income ratio to secure the best possible terms. Ultimately, whether for renovations, education expenses, or consolidating debt, consulting with your credit union’s loan officers can help tailor a solution that fits your unique situation. Acting thoughtfully now can empower you to use your home’s value as a financial asset while maintaining peace of mind for the future.